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  1. Thanks for the link. I’m lucky that I’m in a position to pay them off. @dx100uk thanks for all your help
  2. Thanks for the link. I’m lucky that I’m in a position to pay them off.
  3. To get rid of the charge (and to stop them adding more interest) should I just pay up?
  4. I stopped paying in (I think) 2017 and they've never threatened to take me to court in all that time. They still have a charge registered against my house, maybe they're playing the long game and hoping I sell so they can make a claim then. Is it now too late to take them to court?
  5. Yes, I stopped paying them once the loan period was up. They've been adding interest since then, but no more charges.
  6. Hi Thanks for the re-open. I finally got round to sending a letter claiming the charges back (which I might have sent before!). This is their reply. Do I need to refer this to the FOS or do I go straight to a Letter Before Action? Is there a board or thread on here that details what the Small Claims process is? Thanks. BB
  7. Thanks, I'll get the letter sent out. They offered just the original value as a full and final, I was so shocked that I accepted it
  8. Thanks for re-opening this. The current situation is I got the PPI refunded, but not the charges or the insurance. I sent a SAR in April this year, to see if there was anything new on the account, the SAR specifically mentioned only items since the last SAR. They phoned asking what the SAR was for, I said for any new information on the charges and information. They didn't send anything within the one month timescale, so I reported them to the ICO. Then out of the blue I got a letter saying they had reviewed my account and they were refunding me some interest applied to my account due to then "failing to keep you informed of the balance that is off schedule accruing on your account". I think this means the monthly interest they've been adding to the balance each month since the my payments stopped. I've calculated the total of charges and compounded interest using the spreadsheet in the library and I'm going to send this with a letter asking for the charges to be refunded. Should the letter make any reference to the interest they've recently refunded? If they ignore my request or say the charges are legal, then is my step to issue a letter before action and then take it to the small claims court? Thanks. BB
  9. HELP !!!!!! I forgot to put in my defense on MCOL. The claim issue date was 27/02/2019. Am I too late, is there anything I can do? they sent a NOA, but no CCA or Default Notice I've submitted a defense on the MCOL saying I haven't received the CCA or Default Notice, fingers crossed it gets accepted
  10. I'll count them and let you know. Thanks. BB
  11. This is the only thing in the SAR that refers to buildings insurance, I guess you'd call it an account activity log, is this what you meant by the original demands and needs sheet? I didn't receive any of these letters, but can't see there's any way to prove that. account log.pdf
  12. They didn't ask for insurance in 2007 and just applied their own. The SAR didn't contain any letters or the insurance policy they took out from this time , very convenient What's the next step forward?
  13. It was a condition of the loan that the property was insued but first time they mentioned buildings insurance was in 2008 and I sent the insurance off.
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